Peer-to-peer transfer of a stored value

A computer-implemented method, comprising:

• receiving, by a payment server, a first request to transfer a stored value in a first asset type to a second user from a first user, the second user having a second user account at the payment server;
• generating, by the payment server, a preference profile of preferred asset types from an analysis of merchants and transaction data of at least the second user account;
• determining, by the payment server, at least one asset recommendation from the preference profile, wherein the asset recommendation is an asset, other than the first asset type, that is likely to be used by the second user account;
• providing, by the payment server, to a payment application associated with the second user account that executes on a second mobile device of the second user, an indication of the stored value in the first asset type for display on a user interface of the second payment application along with the at least one asset recommendation for converting the stored value in the first asset type to the at least one asset recommendation, and
• receiving, by the payment server and from the second payment application, a second request to convert the stored value in the first asset type to an alternate asset type selected from the at least one asset recommendation;
• and
• crediting, by the payment server, the stored value in the alternative asset type selected from the at least one asset recommendation to the second user account.

A non-transitory computer-readable medium comprising instructions stored thereon that, when executed by one or more processors of a payment server, are operable to cause the one or more processors to:

• receive, by the payment server from a first payment application associated with the payment server and resident on a first mobile device of a first user, a first request to transfer a stored value in a first asset type to a second user, the second user having a second user account at the payment server;
• generate, by the payment server, a preference profile of preferred asset types from an analysis of interaction data of at least the second user account;
• determine at least one asset recommendation from the preference profile, wherein the asset recommendation is an asset, other than the first asset type, that is most likely to be used by the second user account;
• provide, by the payment server, by the payment server and to a second payment application associated with the second user account that is resident on a second mobile device of the second user, an indication of the stored value in the first asset type for display on a user interface of the second payment application along with the at least one asset recommendation for converting the stored value in the first asset type to an alternate asset type selected from the at least one asset recommendation;
• and
• credit, by the payment server, the stored value in the alternative asset type selected from the at least one asset recommendation to the second user account.

A processing system for transferring a stored value in a first asset type from a first user to a second user, the second user having a second user account at a payment server, the processing system comprising:

• a processor;
• and
• a memory in communication with the processor and comprising instructions which, when executed by the processor, program the processor to perform operations to:
• generate, by the processing system, a preference profile of preferred asset types from an analysis of merchants and locations in transaction data of the second user account;
• determine, by the processing system, at least one asset recommendation from the preference profile, wherein the asset recommendation is an asset, other than the first asset type, that is most likely to be used by the second user account;
• provide, by the processing system and via a second payment application associated with the second user account that executes on a second mobile device of the second user, an indication of the stored value in the first asset type for display on a user interface of the second payment application along with the at least one asset a recommendation for converting the stored value in the first asset type to an alternate asset type selected from the at least one asset recommendation;
• and
• credit, by the processing system, the stored value in the alternative asset type selected from the at least one asset recommendation to the second user account.